Do you know you need some help with real estate financing? Not quite sure where to start or what to ask for? You have found the right place to start on the best residential and commercial lending website on the web.

There are more loan programs than ever before available right now. Can you get a mortgage with bad credit and zero money down? No. If you have bad credit (below a 580 credit score) you’ll need more than 3.5% down.

New home loan programs for unique circumstances

A conventional rule that recently changed will allow foreclosure that was included in a bankruptcy using the bankruptcy date. Four years from discharge instead of having to wait 7 years from the foreclosure date. We’ve had clients fit into this category recently.

In addition there are a number of non prime and jumbo programs (for credit and income issues) that have come out recently that allow 24 bank statements, deposits used as income for self employed who will not qualify with tax returns due to deductions or un reported income.

Asset depletion for someone not employed with big bank and IRA balances

5% down Jumbo for excellent credit

Generally if someone does not qualify for Conventional or FHA and has 25% or more to put down we can get them done.

We also offer private lending for borrowers than do not fit any of the non prime if they can put 35% down. Small loans are OK for this too.

Scroll down until you see yourself or your situation please let us know in the comments at the bottom of the page if we have not covered your situation. We are here to help and no question will go un-covered on our website.

I am a

First time home buyer

We love to help guide first time buyers who have never owned a home before. Even past homeowners who have not owned a home in the past three years are considered a FTB too!

  • FHA – select this if your do not have great credit – scores 580 and above
  • Conventional Fannie Mae 97 – If your credit score is 640+ and you have no foreclosures or Bankruptcy recently

I have

Excellent credit

and I can put 20% down with proof of all my income for the past two years

or I want to Refinance my existing mortgage for a lower rate or shorter term to pay-off sooner

Congratulations! Our wholesale lenders have special streamlined programs that will allow you to close faster, in two or three weeks with discounted interest rates.

Bad credit and have

3 1/2% to put down – Ask for FHA 580

10% to put down – Ask for FHA 550

25% to put down – Non Prime above 500

35% to put down – private Hard Money

I want to

Refinance and get cash-out

Get cash out from a home I own free and clear

Get a 2nd mortgage or home equity loan

I am a

Landlord with more than four properties financed

Real Estate Investor

Self employed business owner

Private lender looking to earn a high interest rate on my retirement funds or cash

Senior Homeowner

Commercial real estate owner

I cannot

Prove all of my income with tax returns

I have had a

Recent foreclosure

within the past year

within the past 3 years

within the past 7 years

Bankruptcy

in the past two years

More than 4 years ago

I am currently in a CH 13 bankruptcy with at least 12 on-time payments made to the trustee

Short Sale

Deed in lieu of foreclosure

I need to

improve my credit

take a HUD approved counseling course